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Sukuk Tabungan (ST)

An instrument of Surat Berharga Syariah Negara (SBSN) Ritel issued based on sharia principles and intended for individual investors of Indonesian Citizens. ST has the characteristics of providing a rate of return (coupon), floating with a floor, and has an early redemption facility for investors. However, ST cannot be traded (nontradable) in the secondary market.

Why ST?

  • Halal investment based on Sharia principles

  • Secondary market transactions between domestic investors

  • 2 & 4 years tenor

  • Valid for Indonesian citizens

Product Information

  • Issuer

    Pemerintah Pusat Negara Republik Indonesia c.q Menteri Keuangan Republik Indonesia

  • Product

    ST015T4

  • Coupon

    5,45% p.a gross (pajak 10%)

  • Offering Period

    Opening: 10 November 2025 at 09.00 WIB
    Closed: 3 December 2025 at 10.00 WIB

  • Maturity

    10 November 2029

  • Minimum Subscription

    Rp 1.000.000,00,-

Term and Condition

  • Sukuk Negara Ritel is managed based on Sharia principles, does not contain maysir (gambling), gharar (uncertainty), and riba (usury) elements, and has been declared sharia-compliant by the National Sharia Council – Indonesian Ulama Council (DSN-MUI)

  • Sukuk Tabungan issuance uses Wakalah structure

  • The proceeds from the issuance will be used for investment activities such as purchasing the beneficial rights of State Property for lease to the Government and procuring projects for lease to the Government

  • The reward comes from the profit of the investment activities

Other Information

  • Memorandum_Informasi_ST15T4-pdf

  • RIPLAY Surat Berharga Negara SBN Ritel Pasar Perdana

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Disclaimer

Bonds are not a product issued by PT Bank Tabungan Negara (Persero), Tbk. All consequences arising from the use of the related data or information are the sole responsibility of the (prospective) investor. Please contact the nearest BTN Priority for further details.

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BTN is licensed and supervised by the Financial Services Authority (OJK) & Bank Indonesia and is a member of the Deposit Insurance Corporation (LPS) guarantee.
The maximum deposit value guaranteed by LPS per customer per bank is IDR 2 billion.
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